If you say “recreational vehicle” or “RV” to most people, they’ll probably assume you mean the homes on wheels that are such a common sight on the nation’s highways. But RVs come in many forms, not just big motor homes and pull-behind campers, but all-terrain vehicles (ATVs), motorcycles, snowmobiles, and golf carts, too. Before you next turn the key, know the risks — and there are risks for any kind of LBRV.

ATVs got their start among off-roading enthusiasts, but it wasn’t long before these machines became serious workhorses on farms and ranches. These days, ATVs aren’t just for fun; their compact size, ruggedness, and agility enable them to go where other vehicles can’t go, and to do what they can’t do. But while ATVs can enable faster and more efficient ag operations, they present particular risks and require skillful handling and operator protection to ensure safe operation.

Prevent planting (PP) is a critical component of crop insurance, especially in Illinois where unpredictable weather can disrupt planting schedules. Here’s an overview based on the USDA Risk Management Agency’s (RMA) guidelines.